Loans & Lending

🔔
📊 Farm Creditworthiness Index
AI-Calculated
DrFarm Credit Score
694
Grade: A
Avg Health
65.7%
Avg Risk
34.3%
Score Range
300–900

Score based on 30-day rolling average of farm health metrics, sensor consistency, and disease management history.

💡 How Lending Works
1️⃣
Farm Health Tracking
DrFarm continuously monitors your farm's health score through IoT sensors and AI disease detection.
2️⃣
Credit Score Generation
A creditworthiness index (300-900) is generated based on farm health history, risk trends, and management quality.
3️⃣
Lender Matching
Based on your score, we recommend matching lenders with best interest rates and terms for your farm size.
4️⃣
Loan Disbursement
Apply directly through our partner lenders. Your DrFarm health certificate serves as supporting documentation.

🏦 Available Lenders

NABARD
Govt Institution
4%
Interest
₹20.0L
Max Amount
84mo
Tenure
National agriculture development bank offering refinance & direct lending to farmers.
📋 Requirements: Farm registration, land records, bank statement
⭐⭐⭐⭐⭐ 4.7
Kisan Vikas Patra
Govt Scheme
6.9%
Interest
₹5.0L
Max Amount
120mo
Tenure
Government savings-cum-loan instrument that doubles investment. Low-risk option.
📋 Requirements: Aadhaar card, PAN card, address proof
⭐⭐⭐⭐ 4.4
State Bank of India
Public Bank
7%
Interest
₹10.0L
Max Amount
60mo
Tenure
Kisan Credit Card & crop loan facility with lowest interest rates for farmers.
📋 Requirements: Land ownership proof, Aadhaar, PAN, 2 passport photos
⭐⭐⭐⭐⭐ 4.5
Punjab National Bank
Public Bank
7.5%
Interest
₹8.0L
Max Amount
60mo
Tenure
PNB Kisan Tatkal Scheme — instant crop loans with subsidized rates for small farmers.
📋 Requirements: Land documents, Aadhaar, PAN, crop details
⭐⭐⭐⭐ 4.3
Micro Units Dev (MUDRA)
Govt Scheme
8%
Interest
₹10.0L
Max Amount
60mo
Tenure
MUDRA loans under Shishu, Kishore & Tarun categories for agri-entrepreneurs.
📋 Requirements: Business plan, KYC, bank statement, photos
⭐⭐⭐⭐⭐ 4.6
Samunnati Financial
Agri-NBFC
9%
Interest
₹3.0L
Max Amount
24mo
Tenure
Specialized agri-finance for FPOs and smallholder farmers. Collateral-free options.
📋 Requirements: FPO membership or land proof, KYC, farm photos
⭐⭐⭐⭐ 4.1
HDFC Bank Agri Loan
Private Bank
9.5%
Interest
₹7.5L
Max Amount
48mo
Tenure
Quick-disbursal agriculture loans with flexible repayment options for modern farmers.
📋 Requirements: KYC documents, land papers, crop plan, income proof
⭐⭐⭐⭐ 4.2
Bajaj Finserv Agri
NBFC
10.5%
Interest
₹5.0L
Max Amount
36mo
Tenure
Digital-first agri loan with doorstep service and instant approval for verified farmers.
📋 Requirements: KYC, bank statements (6mo), land papers, crop proof
⭐⭐⭐⭐ 3.9